It depends on how badly you want to play the game. Do you care about all of the bells and whistles? Or do you want to experience the game at it's best on PS5? Honestly I don't know what to tell you. It's clearly your preference.
I didn't experience Zero Dawn until I had a PS5 (that's how much back log I had), and I was not disappointed with the newly patched 60fps and such. Then again, I'm more than sure that I would have loved the game even without it.
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